Fidelidade – Companhia de Seguros S.A. (Fosun International (China))

Fidelidade Cyber Empresas
Cyber Safety

Name: Fidelidade Cyber Empresas / Cyber Safety
Brand: Fidelidade – Companhia de Seguros S.A.
Availability: InStock

by Fidelidade – Companhia de Seguros S.A.

B2BBDirectNIS2EU / EEAPortuguese

Last updated Apr 2026

Product Details§ 01

Max Insurance Limit

Up to €500K (SME/Cyber Safety); bespoke above.

Min Premium / Revenue

SME-focused product range.

Market Focus

SME and mid-market.

AM Best Rating

Not rated by AM Best. Fitch: A+ IFS stable (Sep 2024); S&P: A stable (Jul 2025).

MGA / Direct

No – Direct insurer.

Policy Language

Portuguese

NIS2 / DORA Support

NIS2 and DORA compliance advisory included.

War Exclusion

War and nation-state cyber exclusion applied (LMA-aligned).

Geographic Scope

EU / EEA.

Broker Only

Two complementary cyber products for Portuguese businesses:
(1) Cyber Safety (CG-196, from 2022): standalone RC cyber policy; coverage for IT forensics, data recovery, business interruption, GDPR notification costs, legal defence, PR crisis, up to €500K support line. SME-focused with vulnerability diagnosis and risk report included.
(2) Fidelidade Cyber Empresas (launched May 2024, partnership with NOS): combines preventive layer (antivirus protection, automated backup, vulnerability scan/diagnosis) with reactive coverage (data recovery, BI loss, RC). Powered by Habit platform. Initially exclusive to NOS distribution, expanding via agent network.
MyFidelidade app (1.6M+ users, 15% of Portugal's population) for policy and claims management.
Portugal's #1 insurer: 28–30% market share, 1.62M+ app users.
Fitch: A+ IFS stable (Sep 2024 — highest Fitch rating ever for a Portuguese company).
S&P: A stable (Jul 2025).
Net income €173.5M in 2024 (+12.6% insurance revenues).

Cyber Empresas: primarily SME-focused; large corporate capacity not published.
Cyber Safety: maximum published limit €500K (RC component); higher limits require consultation.
No AM Best rating for Fidelidade (use Fitch A+ IFS as primary).
Fosun International (Chinese majority shareholder): additional country/ownership risk consideration for some buyers.

Customer Contact

24/7 Crisis Hotline

Via policy documentation (Apoio ao Cliente: 217 94 87 01, working hours).

Broker Contact